Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. On the Underwriting ML team, you’ll build and improve machine learning systems that make real-time transaction decisions, assessing the repayment risk and expected value of every Affirm checkout.

You’ll work closely with experienced ML engineers, platform partners, and cross‑functional stakeholders to take models from idea to prototype to production, and to keep them healthy with strong measurement and monitoring as user behavior and macroeconomic conditions evolve. You will develop and iterate on underwriting prediction models using a mix of approaches for tabular and sequential data You will build and scale feature pipelines and training datasets from proprietary and third‑party signals, partnering with data and platform teams when needed. You will prototype new modeling ideas and features, run offline experiments, and drive the best‑performing approaches into production with appropriate risk controls.

You will help productionize models: integrate into batch and/or real‑time decision systems, and improve reliability, latency, and operational robustness. You will instrument and monitor model and data health, and help define retraining/backtesting workflows You will collaborate across Engineering, Risk Analytics, Product,



and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non‑technical audiences. You have a total of 2+ years of experience as a machine learning engineer or a PhD in a relevant field.

Strong

Python skills and experience writing production‑quality code.

Experience building and evaluating models for classification problems (preferably gradient‑boosted decision trees like LightGBM/XGBoost/CatBoost, or similar).

Experience working with distributed data processing or parallel compute frameworks (Spark preferred;

Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Proficient in using AI‑powered developer tools (e.g., Claude Code, Cursor, or similar) to accelerate iteration, debugging, and code quality as part of day‑to‑day development workflows. You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well‑tested and extensible code.



This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Equity

Grade - 5 Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Aff​​irm Holdings, Inc. (Location - Remote Canada This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, Current Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan.

Remote

Affir​m is proud to be a remote‑first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affir​mers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Aff​​irm office.

A limited number of roles remain office‑based due to the nature of their job responsibilities. Health care coverage - Affir​m covers all premiums for all levels of coverage for you and your dependents Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities.

📌 Machine Learning Engineer (Fully Remote) (Mississauga)
🏢 Affirm
📍 Mississauga